What is Collision Coverage? 

Understanding your auto insurance options is essential to choosing appropriate coverage. One important component to consider is collision coverage. At Kite Insurance Agency, we believe it’s important for our clients to know how this coverage works and why it may be a valuable part of your Georgia car insurance policy.

What Does Collision Coverage Include?

Collision coverage helps pay for damage to your vehicle if you’re involved in an accident, regardless of who is at fault. This can include collisions with other vehicles, objects like guardrails or trees, or even single-car accidents like rolling or flipping your car.

Unlike liability insurance, which covers damage to others, collision coverage is designed to help repair or replace your vehicle after a covered incident.

How Does Collision Coverage Work in Georgia?

In Georgia, collision coverage is optional, but many drivers choose to add it. If you lease or finance your car, your lender may require you to carry this coverage. When you file a claim, you’ll typically pay a deductible. The insurer then pays for repairs, or, if your car is totaled, the actual cash value of your vehicle minus your deductible.

Is Collision Coverage Right for You?

Our team at Kite Insurance Agency is here to help you evaluate your needs and budget. We can explain how collision coverage fits into your auto insurance plan and help you compare options tailored to Georgia drivers.

Ready to review your coverage or have questions about collision insurance? Contact us today to speak with one of our knowledgeable agents.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.